Financial Goals Suite

🎯 Financial Goals Suite

Comprehensive planning for all your financial objectives

👤 User Profile & Current Financial Status

Personal Information

Income & Expenses

💰 Current Assets Portfolio

Fixed Income Assets

Equity & Market Assets

Real Assets & Alternatives

Liquid Assets

Retirement Fund Calculator

💡 Key Settings: The Expected Return Rate determines how much you need to invest monthly - higher returns = lower investments needed. The Step-up SIP allows you to start with lower investments and increase them annually as your income grows.

💳 Debt Impact Analysis

👶 Children's Future Planning (Education & Marriage)

👨‍👩‍👧‍👦 Family Size

👧 Child 1 Planning

👦 Child 2 Planning

⚙️ Investment Settings

⚠️ Contingency & Risk Management

Emergency Fund

Job Loss Buffer

Unforeseen Events

✈️ Travel Fund Planning

Domestic Travel

International Travel

Special Travel Goals

🏠 Housing & Real Estate Planning

Land Purchase

Home Construction/Purchase

Home Loan Planning

Additional Housing Costs

🚗 Vehicle Planning & Recurring Purchases

First Vehicle Purchase

Vehicle Replacement Cycle

Vehicle Loan Details

🏡 Household Upgrades & Maintenance Planning

Furniture & Furnishing

Electronics & Appliances

Home Renovation

Investment Settings

🏥 Healthcare & Insurance Planning

Health Insurance

Life Insurance

Critical Illness & Parents' Care

Lifestyle Fund Calculator

🎯 Custom Goal

Future Cost: ₹13,38,226
Monthly Investment: ₹14,228
Savings Growth: ₹1,76,234

🎯 Custom Goal 2

Future Cost: ₹5,95,508
Monthly Investment: ₹12,850
Savings Growth: ₹59,551

Common Investment Settings

📊 Lifestyle Goals Summary

Total Monthly Investment Required:

₹1,58,733

Total Future Amount:

₹1,71,77,368

Total Current Savings:

₹12,50,000

Active Goals Prioritized by Investment:

Wedding
Monthly: ₹34,950
Timeline: 3 years
Business
Monthly: ₹34,491
Timeline: 5 years
Home
Monthly: ₹32,174
Timeline: 10 years
Car
Monthly: ₹24,387
Timeline: 3 years
Vacation
Monthly: ₹18,503
Timeline: 2 years
Custom
Monthly: ₹14,228
Timeline: 5 years

📊 Comprehensive Financial Analysis Results

Complete overview of all your financial planning results in sequence

📊 Financial Profile Summary

📊 Financial Profile Summary

Total Current Assets: ₹82,25,000
Monthly Savings Capacity: ₹40,000 (40.0% of income)
Years to Retirement: 30 years
Current Asset Allocation:
Equity (MF + Stocks + ETF + International): 25.1% (₹20,50,000)
Fixed Income (FD + PF + PPF + NPS): 22.0% (₹18,00,000)
Real Estate: 36.5% (₹30,00,000)
Gold & Alternatives: 5.8% (₹4,75,000)
Cash & Emergency: 6.1% (₹5,00,000)

🏦 Retirement Fund Analysis Results

Monthly Expenses at Retirement: ₹2,87,175
Total Retirement Corpus Needed: ₹8,61,52,368
Required Monthly Investment: ₹57,806

📊 Scenario Analysis

💰 Tax Benefits Analysis

💳 Debt Impact Analysis Results

Monthly EMI Burden: ₹25,000
Total Interest Payable: ₹25,00,000
Available for Goals: ₹75,000

⚖️ Prepayment vs Investment

👶 Children's Future Planning Results

👨‍👩‍👧‍👦 Children's Future Investment Analysis

👧 Child 1 Financial Planning

Education Start Year: 2034 (Age 18)
Future Education Cost: ₹58,50,000
Marriage Year: 2041 (Age 25)
Future Marriage Cost: ₹32,40,000
Total Cost for Child 1: ₹90,90,000
Monthly SIP for Child 1: ₹28,500

👦 Child 2 Financial Planning

Education Start Year: 2037 (Age 18)
Future Education Cost: ₹52,20,000
Marriage Year: 2045 (Age 26)
Future Marriage Cost: ₹29,85,000
Total Cost for Child 2: ₹82,05,000
Monthly SIP for Child 2: ₹18,200

👨‍👩‍👧‍👦 Combined Children's Investment Summary

Total Children's Fund Required: ₹1,72,95,000
Total Monthly SIP Required: ₹46,700
% of Monthly Income: 46.7%
Total Investment (Until Last Event): ₹1,25,50,000
Fund Balance After All Events: ₹15,50,000

💡 Smart Children's Planning Tips:

  • Start investing early to benefit from compounding
  • Consider education loans for abroad studies to optimize returns
  • Use separate SIPs for each child for better tracking
  • Factor in currency fluctuation for abroad education
  • Build buffer for cost overruns (10-15% extra)
  • Consider education insurance for protection
  • Plan marriage expenses based on family traditions
  • Use tax-saving instruments like ELSS for children's fund

🛡️ Contingency Fund Analysis

🛡️ Contingency Fund Analysis

💰 Emergency Fund Status

Target Emergency Fund: ₹3,60,000
Current vs Target: ₹1,60,000 shortfall
Monthly SIP to Build Emergency Fund: ₹8,000

💼 Job Loss Buffer Analysis

Required Job Loss Buffer: ₹4,80,000
Monthly Income Replacement: ₹70,000
Total Monthly Need During Job Search: ₹80,000

🛡️ Total Contingency Fund Summary

Total Contingency Fund Required: ₹25,40,000
Current Contingency Funds: ₹2,00,000
Additional Funds Needed: ₹23,40,000
Monthly SIP for Total Contingency: ₹15,000
% of Monthly Income: 15.0%

✈️ Travel Fund Analysis

🎯 Travel Fund Analysis

📅 Annual Travel Requirements

Current Annual Travel Cost: ₹2,50,000
Travel Cost in 10 Years: ₹5,40,000
Monthly SIP for Annual Travel: ₹15,000

🌟 Dream Trip Planning

Dream Trip Cost (Inflation-adjusted): ₹12,88,000
Amount Needed After Current Savings: ₹11,28,000
Monthly SIP for Dream Trip: ₹15,500

💡 Travel Fund Strategy

Total Monthly SIP Required: ₹30,500
% of Monthly Income: 30.5%
Recommended Asset Allocation:
• Short-term travel (1-2 years): 30% Equity, 70% Debt
• Medium-term travel (3-5 years): 60% Equity, 40% Debt
• Long-term travel (5+ years): 80% Equity, 20% Debt

💰 Travel Fund Breakdown

Annual Domestic Travel Fund: ₹15,000/month
International Travel Fund: ₹10,000/month
Dream Trip Fund: ₹5,500/month
Total Travel Investment: ₹30,500/month

💡 Smart Travel Planning Tips:

  • Book flights and hotels well in advance for better rates
  • Consider travel during off-peak seasons
  • Use travel rewards credit cards for additional benefits
  • Maintain separate funds for domestic and international travel
  • Consider travel insurance for international trips
  • Use liquid funds for short-term travel goals (1-2 years)
  • Invest in equity funds for long-term travel goals (5+ years)

🏠 Housing Investment Analysis

🏡 Housing Investment Analysis

🏞️ Land Purchase Planning

Future Land Cost: ₹28,98,000
Amount Needed (After Current Savings): ₹25,55,000
Monthly SIP for Land: ₹58,500

🏗️ Construction/Purchase Planning

Future Construction Cost: ₹58,87,000
Down Payment Required: ₹14,72,000
Loan Amount: ₹44,15,000
Monthly EMI: ₹37,500

💰 Total Housing Investment

Total Project Cost: ₹1,01,85,000
Total Self-funding Required: ₹57,70,000
Monthly SIP for Self-funding: ₹95,000
Monthly EMI (After Purchase): ₹37,500

📅 Housing Investment Timeline

Phase 1 (Years 1-3): Land Purchase - Monthly SIP: ₹58,500
Phase 2 (Years 4-5): Construction Preparation - Monthly SIP: ₹36,500
Phase 3 (Years 6-25): EMI Payment - Monthly EMI: ₹37,500

🏠 Housing Investment Summary

Peak Monthly Commitment: ₹95,000
% of Monthly Income (Peak): 95.0%
Total Interest Paid (20 years): ₹45,85,000
Property Value After 20 Years: ₹4,85,50,000

💡 Smart Housing Investment Tips:

  • Consider location growth potential for better appreciation
  • Factor in additional costs like registration, interior, maintenance
  • Keep EMI under 40% of monthly income for financial comfort
  • Build corpus before starting construction to avoid delays
  • Consider tax benefits under Section 80C (principal) and 24 (interest)
  • Have a contingency fund for cost overruns (10-15% of project cost)
  • Compare home loan rates across multiple lenders

🚗 Vehicle Investment Analysis

🚗 Vehicle Investment Analysis

🚙 First Vehicle Purchase

Future Vehicle Cost: ₹8,99,000
Down Payment Required: ₹1,80,000
Loan Amount: ₹7,19,000
Monthly SIP for Down Payment: ₹6,500
Monthly EMI: ₹15,200

🔄 Vehicle Replacement Schedule

Year 7: Vehicle 2 - Cost: ₹15,50,000, Trade-in: ₹2,70,000, Net Cost: ₹12,80,000
Year 14: Vehicle 3 - Cost: ₹28,30,000, Trade-in: ₹4,65,000, Net Cost: ₹23,65,000
Year 21: Vehicle 4 - Cost: ₹51,60,000, Trade-in: ₹8,49,000, Net Cost: ₹43,11,000

💰 Vehicle Fund Strategy

Monthly SIP for Vehicle Fund: ₹18,500
Total Vehicle Investment (25 years): ₹55,50,000
Total Out-of-Pocket Cost: ₹85,50,000
Average Monthly Vehicle Cost: ₹28,500

🚗 Vehicle Investment Summary

Peak Monthly Commitment (SIP + EMI): ₹33,700
% of Monthly Income (Peak): 33.7%
Number of Vehicles Over 25 Years: 4 vehicles
Vehicle Fund Balance at End: ₹25,50,000

💡 Smart Vehicle Planning Tips:

  • Consider certified pre-owned vehicles to reduce depreciation impact
  • Maintain vehicles well to maximize trade-in value
  • Build vehicle fund continuously to reduce loan dependency
  • Consider electric vehicles for long-term cost savings
  • Factor in insurance, maintenance, and fuel costs
  • Time purchases during festival seasons for better deals
  • Keep vehicle loans under 15% of monthly income

🏡 Household Upgrade Analysis

🏠 Household Upgrade Analysis

🪑 Furniture Replacement Planning

Next Furniture Upgrade Cost: ₹3,86,000
Total Furniture Cost (25 years): ₹12,50,000
Monthly SIP for Furniture: ₹8,500
Number of Furniture Cycles: 3 cycles

📺 Electronics Upgrade Planning

Next Electronics Upgrade Cost: ₹2,21,000
Total Electronics Cost (25 years): ₹15,80,000
Monthly SIP for Electronics: ₹9,200
Number of Electronics Cycles: 5 cycles

🔨 Renovation & Maintenance Planning

Next Major Renovation Cost: ₹14,33,000
Total Renovation Cost (25 years): ₹18,50,000
Total Annual Maintenance (25 years): ₹18,75,000
Monthly SIP for Renovation & Maintenance: ₹12,500

📅 Household Upgrade Timeline

Year 5: Electronics Upgrade - ₹2,21,000
Year 10: Furniture + Electronics + Renovation - ₹20,40,000
Year 15: Electronics + Renovation - ₹18,50,000
Year 20: Furniture + Electronics - ₹12,80,000
Year 25: Electronics - ₹8,90,000

🏡 Household Investment Summary

Total Monthly SIP Required: ₹30,200
% of Monthly Income: 30.2%
Total Household Investment (25 years): ₹90,60,000
Total Out-of-Pocket Cost: ₹65,55,000
Fund Balance After 25 Years: ₹45,50,000

💡 Smart Household Planning Tips:

  • Buy quality furniture that lasts longer to reduce replacement frequency
  • Time purchases during sale seasons for better deals
  • Consider energy-efficient appliances for long-term savings
  • Regular maintenance prevents costly repairs
  • Plan renovations during off-peak construction seasons
  • Keep receipts and warranties for all major purchases
  • Consider modular furniture for flexibility
  • Build a separate household upgrade fund to avoid dipping into other goals

🏥 Insurance Gap Analysis

📊 Insurance Gap Analysis

🏥 Health Insurance

Current Cover: ₹10,00,000
Recommended Cover: ₹20,00,000
Gap: ₹10,00,000 (Additional cover needed)
Annual Premium Impact: ₹25,000 - ₹40,000 additional

👨‍👩‍👧‍👦 Life Insurance

Current Cover: ₹20,00,000
Recommended Cover: ₹1,19,00,000
Gap: ₹99,00,000 (Critical gap)
Monthly Premium for Gap: ₹2,500 - ₹4,000

⚕️ Critical Illness Cover

Current Cover: ₹5,00,000
Recommended Cover: ₹25,00,000
Gap: ₹20,00,000

👴👵 Parents' Healthcare Fund

Target Corpus: ₹20,00,000
Monthly SIP Required: ₹8,500
Total Investment: ₹15,30,000

💰 Total Insurance Investment Required

Monthly Premium (Health + Life + Critical): ₹8,500
Monthly SIP (Parents' Fund): ₹8,500
Total Monthly Commitment: ₹17,000
% of Monthly Income: 17.0%

🎯 Complete Financial Plan Summary

📋 Export & Save Your Financial Plan

💡 Tip: Save your goals to preserve your inputs, or export a PDF report to share with your financial advisor.

🍪 We use cookies to improve your experience. Learn more